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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $67,989 | $58,493+16.2% | $84,023-19.1% | $72,976-6.8% |
| Participation rate | 56.6% | 61.2%-4.6pp | 69.0%-12.4pp | 69.5%-12.9pp |
| Annual return | 16.37% | 28.93%-12.6pp | 71.32%-54.9pp | 81.02%-64.6pp |
| Employer contribution / active EE | $365 | $1,163-68.6% | $1,984-81.6% | $2,440-85.0% |
| Participant deferral / active EE | $1,706 | $2,394-28.7% | $3,239-47.3% | $3,608-52.7% |
| Admin fee / account holder | $7,024 | $4,569+53.7% | $6,102+15.1% | $5,124+37.1% |